As a full-service firm, we are committed to helping people pursue and achieve their financial goals.
At Integrity Wealth Management & Insurance Services, we are committed to maintaining the highest standards of integrity and professionalism in our relationship with you, our client. As Fiduciaries, we’re endeavored to know and understand your financial situation and provide you with the critical must-know facts to help you make sound financial decisions based on fact-not market myth or misconception.
We offer a wide range of financial products and services to individuals and business owners. Using our 3 step Money Matters review, you will be better able to evaluate your current financial programs and investments to find out if they are on track to accomplish your desired outcome. Our process helps you to make sound financial decisions based on logic and fact-not on emotion or salesmanship.
Miles Babcock became a licensed insurance agent in 1992 and made the move to become fully independent in 1997.
As a 27 year veteran in the financial industry, I began my career working on the safe and secure side of the business as an insurance broker. I attended U. S. C and graduated in 1985, where I worked in the marketing industry and then transitioned into the financial services industry in 1992.
After working with an insurance brokerage company for about 5 years, I took the independent route and never looked back. I became an investment advisor representative shortly after the crash, in 2008. During this time, my family and I experienced large losses within our own portfolio. While in weekly, sometimes even daily contact with the firm, I kept asking “What is the broker’s plan or strategy to prevent any further losses going forward?” The response was always the same, “Hey, it’s just a paper loss” and “Don’t worry about it, it will bounce back”.
After our own personal loss with this advisor, I studied and learned that there are two different types of standards within the Financial Services Industry; Suitability and Fiduciary. Personally, I always had the thought that if someone was managing your savings its common sense that they would have to do what is right for the investor, and not the broker or the firm. Clearly this was not the case for me or for the industry.
With the clear understanding that there must be a better way to handle investment monies, particularly for those near or in retirement, I became an Investment Advisor Representative. Held to the fiduciary status-putting the needs and interests of the client ahead of my own at all times (as required by law), I proudly serve those transitioning into their golden years. Meaning, we specialize in retirement income planning, investments, and forward tax planning. At Integrity Wealth Management & Insurance Services, LLC we are a relationship-driven firm. All of our plans include a short term and long term growth plan, a margin of safety, and a worst-case scenario that includes projected income, risk assessment, and tax estimations. To simplify and create greater understanding, Integrity Wealth uses a 3-Step Money matters review to assist clients in helping them to view their decisions and their impact through the areas of taxation, income, and risk versus return.
Armed with a retirement spending plan, and with the understanding that savings and investments will be moved to cash in the event of market corrections or downturns, investors at Integrity Wealth know their financial future and that of their heirs may be preserved through planning excellence and tactical (active) money management.
As an investment adviser representative, I am a “fiduciary” to my advisory clients’ investments. This means that I have an obligation to act in the best interests of my clients and to provide investment advice in my clients’ best interests. I should avoid engaging in any activity that could create a conflict of interest with any client however, if a conflict of interest does arise, I will make full disclosure of that conflict to my client. I must employ reasonable care to avoid misleading clients and I must provide full and fair disclosure of all material facts to my clients and prospective clients. My fiduciary duty extends solely to investment advisory advice and does not extend to advice relating to insurance product sales, including annuities, life insurance and long-term care insurance.
Please call us at 714-947-0105 if you have any questions about our firm or the range of financial products and services we provide. We have a relationship with a variety of financial services companies. If we are unable to provide exactly the right solution for you or your business ourselves, we will work with other professionals in our industry to resolve your issue.